Why Enhanced Premium Tax Credits (APTCs) should be made permanent - Families USA Skip to Main Content

Why Enhanced Premium Tax Credits (APTCs) should be made permanent

You can view our APTC fact sheets here.

Who Would Lose Coverage if Enhanced Premium Tax Credits Expire?

  • State-by-state maps of people losing coverage by income level, age, race and ethnicity.
    Source: Urban Institute

Support for APTC Permanent Extension

  • The National Association of Insurance Commissioners (NAIC) supports extending enhanced premium tax credits, and urges a decision by the end of 2024.
    Source: NAIC
  • Marketplace Enrollees Speak Out: People Fear Higher Costs if Congress Does Not Act
    Source: CBPP
  • 2.7 million small businesses and self-employed workers claimed the tax credit in 2022.
    Source: US Treasury Department
  • How Enhanced Premium Tax Credits for Affordable Health Care Empower Self-Employed Americans.
    Source: Center for American Progress
  • Understanding how the enhanced premium tax credits impact consumers.
    Source: State Marketplace Network 

APTC Benefits Across Congressional Districts   

  • Review the “health care savings” of this review of Congressional Districts. 
    Source: Regional Leadership Council 
  • This interactive “2024 Affordable Care Act Marketplace Plan Selections by Congressional District” includes data for the federally facilitated marketplace, Washington, DC, and Vermont. 
    Source: Center for American Progress (CAP) 

Rural Residents Benefit 

  • Robert Wood Johnson Foundation (RWJF) finds that in the leading farm states, a significant share of residents enroll in Medicaid and in the marketplace. In farm states, about half of marketplace enrollees are rural residents. APTCs reduced marketplace enrollees’ premiums by an average of $506/month in farm states. 
    Source: RWJF  

Fewer Uninsured 

  • This brief “Who Benefits from Enhanced Premium Tax Credits in the Marketplace” estimates 7.2 million more people will receive subsidized coverage under APTCs due to the enhancements, and 4 million fewer people will be uninsured.  
    Source: Urban Institute  

Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire 

  • Data by age, income, and for Blacks and Latinos. 
    Source: Center for Budget and Policy Priorities (CBPP)  
  • APTCs cut premium pay by 44% on average, and helped more low-income enrollees enroll in plans with reduced deductibles. Premiums would double in 12 states for subsidized enrollees if enhanced premiums expire.
    Source: KFF

Adults Age 50–64 Often Rely on Marketplace Coverage and APTCs  

  • 5.1 million ages 55–64 enrolled in Marketplace coverage in 2024 and more will do so as Medicaid unwinding continues. Uninsured rates for older adults have dropped dramatically since Affordable Care Act (ACA) implementation. 
    Source: AARP 
  • Without enhanced premium tax credits, a 60-year-old earning $60,251 would pay almost 20% of his or her income for an average marketplace plan.
    Source: Urban Institute
  • If enhanced credits expire, many 50-year-olds will see their silver plan premiums increase by 53%, and in some places, they will increase by 75%.
    Source: RWJF
    Map by zip code

Data on Marketplace Enrollment Includes APTC Receipt, Demographic Trends, and Savings for Various Income Groups and by State